EN 
ID Refinancing
Refinancing from Sinarmas Hana Finance
Refinancing, or Business Capital Facilities (for productive activities) and Fund Facilities (for consumptive activities), are financing products from Sinarmas Hana Finance with collateral in the form of vehicle ownership documents (BPKB) (cars, motorcycles, or pick-ups). These facilities can be used for various purposes, ranging from business development, additional working capital, to personal needs. This program is available to all customers with a simple, fast, and secure process, allowing you to obtain funds without disrupting the daily use of your vehicle.
Requirements
Object of Financing :
Employee
- Applicant's ID Card and Spouse's ID Card
- Family Card & Marriage Certificate (if married)
- Proof of Home Ownership (PBB/Certificate/Sale and Purchase Deed)
- Savings Account/Bank Statement for the last 3 months
- Telephone/PLN/PDAM Bill
- Latest Pay Slip/Income Statement
- Tax ID number / Nomor Pokok Wajib Pajak (NPWP)
Self-employed
- Applicant's ID Card and Spouse's ID Card
- Family Card & Marriage Certificate (if married)
- Proof of Home Ownership (PBB/Certificate/Sale and Purchase Deed)
- Savings Account/Bank Statement for the last 3 months
- Telephone/PLN/PDAM Bill
- Business License (SIUP)/TDP/SITU/SKU
- Tax ID number /Nomor Pokok Wajib Pajak (NPWP)
- Invoices/Bookkeeping Records
Professional
- Applicant's ID Card and Spouse's ID Card
- Family Card & Marriage Certificate (if married)
- Proof of Home Ownership (PBB/Certificate/Sale and Purchase Deed)
- Savings Account/Bank Statement for the last 3 months
- Telephone/PLN/PDAM Bill
- Practice License
- Tax ID number /Nomor Pokok Wajib Pajak (NPWP)
Refinancing from Sinarmas Hana Finance
Refinancing, or Business Capital Facilities (for productive activities) and Fund Facilities (for consumptive activities), are financing products from Sinarmas Hana Finance with collateral in the form of vehicle ownership documents (BPKB) (cars, motorcycles, or pick-ups). These facilities can be used for various purposes, ranging from business development, additional working capital, to personal needs. This program is available to all customers with a simple, fast, and secure process, allowing you to obtain funds without disrupting the daily use of your vehicle.
Product Information
Benefits & Risks
Benefits
Through financing from Sinarmas Hana Finance (SHF), consumers can purchase new or used cars with easy and flexible installment plans. SHF also provides refinancing services for consumers who need Business Capital Facilities with vehicle registration certificates (BPKB) as guarantee.
The application process is easy and transparent, supported by SHF's network of branch offices spread across various regions in Indonesia. Installment payments can be made through various official channels to provide convenience and ease for consumers.
Risks
- For vehicle financing and refinancing, the vehicle registration certificate (BPKB) will be held by SHF until all financing obligations have been paid off. In the event of a delay in payment within a certain period, the financed vehicle may be repossessed in accordance with the financing agreement.
- A penalty of 0.2% per day of the installment amount will be charged for late payments.
- If payment is delayed for more than 30 days or the vehicle is transferred without SHF's consent, additional handling fees and legal action may be imposed in accordance with applicable laws.
- Payments made after the cut-off time or experiencing system disruptions may result in delays in payment recording.
- Late payments will be recorded in the Financial Information Service System (SLIK) managed by the Financial Services Authority (OJK), and may affect consumers' future financing history.
Benefits
Through financing from Sinarmas Hana Finance (SHF), consumers can purchase new or used cars with easy and flexible installment plans. SHF also provides refinancing services for consumers who need Business Capital Facilities with vehicle registration certificates (BPKB) as guarantee.
The application process is easy and transparent, supported by SHF's network of branch offices spread across various regions in Indonesia. Installment payments can be made through various official channels to provide convenience and ease for consumers.
Risks
- For vehicle financing and refinancing, the vehicle registration certificate (BPKB) will be held by SHF until all financing obligations have been paid off. In the event of a delay in payment within a certain period, the financed vehicle may be repossessed in accordance with the financing agreement.
- A penalty of 0.2% per day of the installment amount will be charged for late payments.
- If payment is delayed for more than 30 days or the vehicle is transferred without SHF's consent, additional handling fees and legal action may be imposed in accordance with applicable laws.
- Payments made after the cut-off time or experiencing system disruptions may result in delays in payment recording.
- Late payments will be recorded in the Financial Information Service System (SLIK) managed by the Financial Services Authority (OJK), and may affect consumers' future financing history.
Refinancing
Vehicle Financing
PT. Sinarmas Hana Finance
Customer Service: 1500-027
Email: customercare@sinarmashanahfc.co.id
Complaints can be submitted through our Customer Service